Research On Internal Control Improvement Of The ZG Bank H Branch

Banking efforts in internal control compliance mandates in recent years,both from theory and practice in the various efforts,but still risk events occur,the financial globalization deepening is undoubtedly the world's financial market turmoil,global economic crisis incidents in one of the reasons,but the momentum of rapid development of global financial won't be slowed because of the increased risk events,as China's commercial Banks,how to optimize the internal control system,more effective and more reasonable grasp own uncertainty,facing how to adapt to the complex financial environment at home and abroad,in the development of the business risk events occur at the same time,how to take more effective measures to establish a complete,reasonable and effective internal control system will is an important issue which we face.This article obtains from the case of ZG bank,H province branch,with large state-owned commercial Banks internal control as the main research object,the temperament,microscopic perspective to explore the macroscopic countermeasures,from the theory of five elements of the COSO committee,in accordance with the control environment,risk assessment,control activities,information and communication,and supervision of five aspects,with a real case,the analysis of the current face of the ZG bank all kinds of problems,the research question causes,and puts forward a number of Banks in the aspect of internal control to improve the relevant Suggestions.Through the research and analysis,this paper considers that the state-owned commercial Banks,taking H provincial branch as an example,have the following problems in internal control problems:In the control environment,should be the most basic integrity education,strengthening external control at the same time,for example,the bank ATM machine and distribution personnel must be for a double,will never become a mere formality,daily employee must not in charge of the password at the same time,in charge of the key and hard protective equipment can not be ignored,alarm system to watch all kinds of anomalies.In the aspect of risk assessment,must find alert,early detection risk,curb risk,to counter regulation must be strictly executing,resolutely put an end to the phenomenon,the person in charge with the the counter whether on-site inspection or remote monitoring,should strictly carry out the relevant inspection system,for not value,not as,not cause serious risk.In terms of control activities,the leadership at the grass-roots level is the power of the branch bank,regulation of typical hard,must at the same time of ideological education,improve the financial and compliance management of branches and branches at the grass-roots level,always alert,everything is legal compliance,regardless of the issue of corruption or the leadership of the grass-roots in inline embezzle fund problems or other issues,to fundamentally curb their ideas to the wrong direction.In terms of information and communication,if information has serious problems in acquisition and transmission,internal control failure will also occur.A branch in H province branch agent temperature as an example,its long-term for door to door collection business,after nearly a year of time steal customer funds for many times,we have communication with customers,lead to the employees' long-term and unmanned discovered,originally very ordinary business,has caused a great risk.In terms of supervision,to deeply recognize the bank is the group of institutions that operational risks,as a bank employee,always pay attention to process,handle affairs by the chapter,not because he was an acquaintance,because is to lead,to related business relax vigilance,if used to all violations,do not add value to post of supervision,do not attached to the operating procedure,also is to oneself of irresponsible,irresponsible to related colleagues,at the same time is also irresponsible for the work of the bank.Effective the state-owned commercial Banks internal control,has a very significant impact on China's financial stability,the relationship between the economic development and social stability of our country,therefore,understanding the causes of internal control events,after analysis of the background,the causes of risks,in order to better in the future to eliminate risk events occur.In this article,through the analysis of all kinds of risk events,put forward to strengthen ideological and moral education of staff,including strengthen the on-site and off-site business inspection,earnestly implement the control of operators and reshape the multi-level credit approval process,to strengthen the construction of culture of compliance and so on many perfect path,in order to sustain steady development of China's banking industry contribution meager strength.